AVANGARD Joint Stock BANK Ratios and Metrics

Market cap in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2020	FY 2019	FY 2018	2013 - 2017
Period Ending	Jul '22 Jul 7, 2022	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	2013 - 2017
Market Capitalization	68,999	68,999	68,999	83,525	51,648	40,350	Upgrade
Market Cap Growth	-26.29%	-	-17.39%	61.72%	28.00%	-1.19%	Upgrade
Last Close Price	855.00	855.00	855.00	980.50	558.64	402.99	Upgrade
PE Ratio	11.83	11.83	51.47	26.79	7.23	7.85	Upgrade
PS Ratio	5.78	5.78	18.27	7.49	3.17	3.15	Upgrade
PB Ratio	6.42	6.42	4.81	3.34	1.82	1.63	Upgrade
P/FCF Ratio	-	-	-	15.92	213.57	Upgrade
P/OCF Ratio	-	-	-	8.85	21.42	Upgrade
Debt / Equity Ratio	0.35	0.35	0.38	0.25	0.16	0.17	Upgrade
Debt / FCF Ratio	-	-	-	-	1.36	22.50	Upgrade
Return on Equity (ROE)	46.51%	46.51%	-	11.68%	26.85%	22.81%	Upgrade
Return on Assets (ROA)	4.87%	4.87%	-	2.47%	5.85%	4.17%	Upgrade
Earnings Yield	8.45%	8.45%	1.94%	3.73%	13.83%	12.73%	Upgrade
FCF Yield	-	-	-3.96%	6.28%	0.47%	Upgrade
Dividend Yield	11.59%	-	-	-	9.98%	7.69%	Upgrade
Payout Ratio	0.00%	-	-	208.46%	63.00%	19.48%	Upgrade
Total Shareholder Return	11.59%	-	-	-	9.98%	7.69%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.